Medical Coverage

Get Covered

With Health Insurance Marketplaces and the expansion of Medicaid, uninsured Americans have better access to quality, affordable health coverage. A key component of the Affordable Care Act (ACA), these marketplaces allow people to compare prices and shop for health coverage – online or via phone. The information about each insurance plan is provided in easy-to-understand language. All plans show the cost and benefits in simple language with no fine print.

To inquire about Medicaid or the Children’s Health Insurance Program (CHIP) eligibility, visit healthcare.gov.

Help is Available to Pay for Your Coverage

A provision of the ACA provides financial assistance to help many Americans afford quality health coverage. The Amount of financial assistance a consumer qualifies for is based on their income and family size and is based on a sliding scale.

Use this subsidy calculator to give you an idea of how much assistance you may qualify for in order to purchase health coverage.

We’re Committed to Coverage

We are here to assist you in understanding the insurance options available to you. Our Patient Financial Advocates and Certified Application Counselors located at each of our hospitals to help patients and consumers understand the options available and associated costs. Contact a Certified Application Counselor in your local area, email a question or call us today at 855-821-0124.

Pre-existing condition, no need to worry

Under the Affordable Care Act a person purchasing insurance on the marketplace cannot be turned down for coverage because of chronic disease, pregnancy or other health conditions.

Health insurance companies can’t deny you coverage or charge you more because of a preexisting condition, and they can no longer charge men and women different rates. In addition, all health plans on the exchange must cover basic care such as doctor and hospital visits, maternity and newborn care, prescription drugs, emergency room visits and lab tests. Plans will also cover certain preventive screenings such as mammograms and colonoscopies. See a list of essential health benefits.

When applying for health coverage on the exchange, you will not be asked to provide your health history, other than whether you use tobacco. It will be a requirement to disclose tobacco use or if you are currently pregnant. You will be able to select a plan based on preferred medical provider, deductible or premium amount. Medical plans that include dental benefits will be available or you may choose medical and dental plans separately.

What is health insurance?

Health insurance is a contract between you and your insurance company. You buy a plan or policy, and the company agrees to pay part of your medical expenses when you get sick or hurt. Buying health insurance helps to protect you and your family from having to pay high costs when one of you is injured or becomes ill and needs medical care. In addition, health insurance helps cover the costs of wellness care that can prevent illness and promote good health.

The cost of healthcare has gone up sharply over the past few decades. Medical bills are the top cause of personal bankruptcy in this country. Having health insurance protects your health and your financial future.

What if I don’t have health insurance through my job?

Many people get health insurance through their job. Others buy it themselves directly from an insurance company, a website, an agent or broker. If you are buying insurance on your own, you will find many different kinds of health plans that cover a wide range of costs and services. You will want to pay close attention to the benefits offered and which care providers your policy covers, as these factors can make a big difference in your costs and the quality of care you receive if you become sick.

During the open enrollment period, you can also buy health insurance through your either a local of the Federal Health Insurance Marketplace. Get started at www.Healthcare.gov or contact a Certified Application Counselor by calling 855-821-0124.

Start by speaking with a Certified Application Counselor

If you are here, then you have gathered a good bit of basic information. Now you want more details and can get them by calling 855-821-0124.

We’re your partners in health and our certified counselors are here to help at every step of the way. Call us today at 855-821-0124 or contact one of our regional specialists at one of your local hospitals.

SCL Health is a faith-based, nonprofit healthcare organization that oversees the Financial Assistance Policy for its 11 hospitals in Colorado and Montana. To speak with a Patient Financial Advocate Counselor, please call or visit us at your local hospital or our main service center:

Subsidy calculator

Wondering how much assistance you are eligible for? Use this subsidy calculator to help determine what you and your family estimate how much financial assistance you could qualify for to reduce the cost of health insurance.

By phone

Trained counselors and navigators will be available in communities nationwide to help consumers understand their choices and apply for coverage.

Talk to a Certified Application Counselor about your unique situation by calling 855-821-0124.

Online Resources

Marketplace.cms.gov:
Where organizations and individuals looking to help can get the latest resources and learn more about the Marketplace

HealthCare.gov:
Where individuals can learn about the Marketplace and the upcoming benefits (including where they can find local assistance), or be connected to appropriate resources in states that are running their own Marketplace.